Midwest credit collections Inc. I am afraid to even contact them
Starting Score: 643I pulled all 3 of my CR’s and after reading this forum for days on end I just started with 8 negatives.
Aspen Mastercard. $304.00 CO, left it at a 0 Balance. I wrote them a Goodwill letter 05/07/14, haven’t heard back from them. I am not sure this was the right thing to do as this is part of the 2008 FTC Ruling. But I am not sure if the OC is part of this. Any ideas on this?
Jefferson Capital: OC Aspen Mastercard. I sent them a letter stating the FTC Ruling and just received a response from them telling me they would be deleting this tradeline. YAY! I am curious as to how long that will take. I spoke with TransUnion today and this is off my report!!!
Jefferson Capital: Tribute Mastercard. Same as above. So excited! Gone from Transunion
A buy here pay here Auto Dealer, first I want to preface this with the fact that I have bought 3 vehicles from this place. The first one in 2003. Paid off and was never late. 2nd one is the problem, 3rd on I am paying on right now and have been for 2 years, 1 year to go. I have never been late. So the 2nd one is showing 2, 30 days past due and 10, 60 days past due. These payments are made weekly so after 3 days late they show it being 30 days. My husband was laid off and after the 6th month of him not being able to find employment I went into the dealership and asked them if I could make some type of lower payment arrangements because I just couldn’t make the full payment anymore. Savings was depleted. They did make arrangements with me, and I kept those arrangements. Once my husband was back to work I started making the full payment again. Little did I know by making those arrangements I was messing up my credit. I wrote them a Goodwill letter and received a response telling me their Lawyer told them it was illegal to not report it. I am now in the process of calling the owner everday (hes never available) and leaving him a voicemail asking him to call me. He knows me because I have done so much business there. But hopefully I won’t ever have to do buy here pay here again. Although the other 2 loans do show up as Good on my CR. I have left this guy 6 voicemail and he never returned my calls. Today I was actually able to speak with him. He told me he had no way of removing these late payments from my credit reports and that it was illegal. When I explained to him that it was not illegal and that it coiuld be done, because I had already had some deleted. He insisted that even if he called them they wouldn't alk to him. He told me to dispute the late payments with all 3 CRA and when they received the notice from the CRA's they would agree that they were not late. YES!!!!
Pro Com Services; $41.00 Medical Bill. I wrote them a PFD and never got a response, I’m impatient so I called them. They agreed to the PFD, but said they would write a letter. I went ahead and paid it. Hoping they stick to there word.
Receivables Management; $31.00 Medical Bill. Same as above! Gone from TransUnion
State Collection Service; $247.00 Medical Bill. Same as the above! Gone from TransUnion
Now for my nightmare. I broke a lease in 2012 and they kept my Security Deposit and turned me over for Collection. $5395. This is going to be on my CR until 2019! I have dealt with this Collection Agency a few times and they are hard to deal with. I am afraid to PFD them because I am afraid they will take me to court over this and get a Judgment. I would love to PFD them with a 50% settlement offer. But honestly I would pay the whole thing if they would delete it.
So basically I have been told that I have 5 of my 8 set to be deleted. Which is fantastic!!! I am not sure how to move forward with the last 3.
I have 2 Credit cards in my name. Discover it $1900 CL and a First Premier $300 CL Both in good standing, never late. I am AU on my husbands Credit One $600. Also in good standing. Do I need a few more cards???
I have the 3 Credit Cards and 2 Car loans showing up as In Good Standing. Is that enough? Is there something else I should be doing?
My credit score is the same today as it was when I started 24 days ago. I am expecting a bump when my Discover statement posts because I had $1200.00 on it and it was paid in full. How long does it take for these deletions and how much will they bump my score?
Sorry this was so long winded. I just thought some of this might help someone else and I still have so many questions. I want to see that 700!! I don’t think I ever have. Plus we would like to buy a house by the end of the year. That all depends on Husbands credit scores as well. And that is a whole other can of worms. Lol To be Continued.
04/28/14 Annual credit report; Experian; 541 Lender Pull 05/15/14 Experian 584
04/28/14 Equifax; 562. My FICO Equifax 643. My FICO TU 653 Trying to wait until mid June to pull reports again.
Score differences confuse me but here it is.
Any and all suggestions welcome.
Today my Credit score is 684. I can't wait to pull updated credit reports. Trying to wait a week or 2. I am so happy I can't stand it!!!!!
Well I am definitely the impatient type. I went ahead and pulled Experian and Equafax reports today. Tried Transunion but the site was down. Anyway I did this because I needed to know exactly where things were standing before I did my Hippa letters. I only have 1 Medical Account left on Experian and Equafax. And I have one I know on my Transunion. My scores are much improved. 06/06/14 Experian; 679 Equafax; 649 and I am not sure of the TU.
I just wanted to update my progress and give kuddos to MyFICO Forum and everyone who has posted information and everyone who has assisted me.